Does travel insurance cover me for plastic surgery overseas?
Going overseas for cosmetic surgery (commonly known as medical tourism) is becoming increasingly popular for Australians. With lower surgical costs and improving standards of health care beyond our shores, heading abroad for a nip and tuck may seem like the logical move.
However, if you’re going overseas to go under the knife you’ll find it difficult to find travel insurance that will cover you. The basic tenet of travel insurance is to provide cover for the unforeseen and unexpected. Any cosmetic or elective surgery you plan to receive overseas would be classed as a pre-existing condition and excluded from cover. Not only will your surgery not be covered, any complications or other expenses arising from the surgery will not be covered.
This guide looks at heading overseas for cosmetic surgery and how to get travel insurance.
Who will actually cover me?
If you are planning to head overseas for cosmetic surgery, while you won’t be covered by travel insurance there are options available to help make the process of obtaining treatment overseas simpler and safer. One of these is nib Options, which is specially designed to help customers receive cosmetic surgery and dental treatment procedures in Australia and overseas.
After dental tourism insurance?
Tips for anyone considering getting surgery overseas
- Don’t make the decision lightly. Cosmetic surgery can be risky, especially when performed overseas, so think very carefully about whether this is the right option for you before you go any further.
- Don't go to far from home. If complications develop after your surgery, the best person to deal with those complications is often the doctor who treated initially. Unfortunately, that doctor could be thousands of kilometres away by the time any problems arise. Getting corrections done at a later date, either back in Australia or by returning overseas, will be expensive.
- Know the risks. If you’re heading to a tropical environment to get your surgery done, for example Thailand, keep in mind that there is an increased risk of infection in a tropical climate.
- Be careful of dodgy implants. Depending on where you plan on getting your surgery done, be aware that cosmetic implants may not have had to go through the same strict approval process as that imposed by Australia’s Therapeutic Goods Association.
- Remember to factor in flight and accommodation costs. Even if a procedure is significantly cheaper overseas than in Australia, don’t forget that flight and accommodation costs will need to be included in your overall budget.
- Do your research. It’s crucial that you investigate the quality of the medical facility you plan on visiting and whether it is properly accredited. Does the facility have the same standards of care as an Australian hospital? Do the devices and items they use meet Australian standards?
- Choosing a surgeon. You’ll also need to research the treating doctor and find out their level of experience, qualifications and accreditation. For example, are they a member of the International Society of Aesthetic Plastic Surgery?
- Worst-case scenario. Consider what will happen if something goes wrong with your procedure — will the surgeon admit liability or will you be left facing expensive medical bills?
- What happens afterwards? It’s also important that you find out about the post-operative care you will receive. What will the total cost of the procedure be and how long will recovery take?
- Coming home. You may need to be a little flexible when it comes to choosing the date of your return to Australia, in case you need to remain overseas to assist with your recovery. When you do fly home, choosing the most direct route possible is important to ensure a smoother recovery.
- Seek out personal recommendations. Ask friends and family for information about their experiences of overseas cosmetic surgery — do they have any advice or recommendations?
Will I be covered by the reciprocal health care agreement if I undergo cosmetic surgery overseas?
A Reciprocal Health Care Agreement (RHCA) is an agreement in place between the Australian Government and the government of a foreign country. Under such an agreement, Australian citizens can receive subsidised access to basic health care treatment that is immediately necessary. There are currently agreements in place with the United Kingdom, the Republic of Ireland, New Zealand, Belgium, Italy, Malta, the Netherlands, Sweden, Slovenia, Finland and Norway.
However, RHCAs do not provide any cover for Australian travellers undergoing elective treatment, so you won’t be covered for overseas cosmetic surgery or any resulting complications.
Can I still get travel insurance for other losses if I plan on having elective surgery?
Just because you’re planning to undergo elective surgery during your trip doesn’t mean that you won’t be able to take out a travel insurance policy – it just means you won’t be able to receive cover for any losses related to the surgery.
There are several insurers who are willing to offer you travel insurance cover for all the usual potential travel risks that do not relate to you going under the knife. This means that your hospital accommodation, medication and the cost of treatment will not be covered, nor will any other events that are a result of the surgery. For example, if there are complications following your surgery that result in your hospitalisation and you have to cancel pre-booked flights to your next destination, your policy will not provide any cover.
But you will be able to receive cover for all other losses you incur on your holiday provided they are not related to the surgery. Travel insurance can provide cover for:
- Overseas emergency medical and hospital expenses. If you suffer an unexpected illness or injury on your journey, you’ll be covered for the cost of ambulance transportation, medical treatment, hospital accommodation and repatriation if required.
- Additional accommodation and travel expenses. If you can’t travel due to an injury or illness overseas, the extra accommodation and travel expenses you incur as a result will be covered.
- Cancellation fees and lost deposits. If circumstances beyond your control force you to cancel or cut short your trip, for example if your travelling companion suffers a serious illness, the cancellation fees you are charged and any non-refundable deposits you have paid will be covered.
- Luggage and personal belongings. The cost of repairing or replacing lost, stolen and damaged personal belongings will be included in cover.
- Travel delay. When your trip is delayed by circumstances outside your control, you’ll receive funds to cover your additional meals and accommodation expenses.
- Accidental death and permanent disability. Lump sum benefits are payable if you become permanently disabled or die as a result of an injury suffered on your journey.
- Cash and travel documents. Theft of cash and loss, theft or damage of your important travel documents are covered.
- Rental vehicle excess. If your rental car is crashed, stolen or damaged, you’ll receive cover for the rental vehicle insurance excess you need to pay.
- Personal liability. Travel insurance also offers protection if you cause bodily injury to someone else or damage their property during your journey.
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If you're heading abroad to receive medical treatment, while you won't find a travel insurance policy that'll cover you for loses related to your cosmetic procedure, it's a good idea to protect yourself from other common insurable events.
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